Terminal equipment based payment and receipt method, device, system and storage medium

文档序号：170148 发布日期：2021-10-29 浏览：36次中文

阅读说明：本技术 基于终端设备的收付款方法、装置、系统及存储介质 (Terminal equipment based payment and receipt method, device, system and storage medium ) 是由陈佳子金语枫陈晓晨于 2020-04-28 设计创作，主要内容包括：本申请实施例提供了一种基于终端设备的收付款方法、装置、系统、存储介质、电子设备及芯片,通过当服务器接收到询问请求时,获取第二终端设备的支付信息,无需由收款方手动输入支付信息,且通过由服务器获取付款方和收款方基于各自终端设备的聊天内容(即交互信息),并获取第二终端设备和第一终端设备各自对应的位置信息(即位置信息),并根据支付信息、交互信息和位置信息生成待付款信息,无需由收款方基于支付信息进行计算,也无需由付款方基于支付信息进行计算,因此,可以提高基于终端设备的支付款的智能化和自动化,节约付款方和收款方的时间成本等技术效果。(The embodiment of the application provides a payment and receipt method, a device, a system, a storage medium, electronic equipment and a chip based on terminal equipment, by acquiring the payment information of the second terminal device when the server receives the inquiry request without manually inputting the payment information by the payee, and by acquiring chat contents (i.e. interactive information) of the payer and the payee based on the respective terminal devices by the server, and acquires the respective corresponding location information (i.e. location information) of the second terminal device and the first terminal device, and generates the information to be paid according to the payment information, the interaction information and the position information without calculation based on the payment information by the payee or calculation based on the payment information by the payer, so that, the intelligent payment and automation based on the terminal equipment can be improved, and the time cost of the payer and the payee can be saved.)

1. A terminal device-based receipt and payment method, the method comprising:

receiving an inquiry request sent by a first terminal device, wherein the inquiry request is used for inquiring information to be paid;

acquiring payment information of second terminal equipment;

generating the information to be paid according to the payment information, the interaction information and the position information, wherein the interaction information is used for representing chat contents of the payee and the payer, and the position information is used for representing position information corresponding to the second terminal device and the first terminal device;

and controlling the second terminal equipment to output the information to be paid.

2. The method of claim 1, wherein after the obtaining payment information of the second terminal device, the method further comprises:

controlling the second terminal device to output the payment information;

and generating the information to be paid according to the payment information, the interaction information and the position information comprises: and if a first confirmation message sent by the second terminal device is received, generating the information to be paid according to the payment information, the interaction information and the position information, wherein the first confirmation message is used for representing the confirmation of the payee on the payment information.

3. The method according to claim 1, wherein after said receiving the query request sent by the first terminal device, the method further comprises: controlling the second terminal device to output the inquiry request;

and the acquiring of the payment information of the second terminal device comprises: and if a first settlement guiding instruction of the second terminal device is received, acquiring the payment information of the second terminal device, wherein the first settlement guiding instruction is used for representing that the payee inputs information to be paid through the second terminal device.

4. The method of any of claims 1 to 3, wherein the generating the information to be paid based on the payment information, interaction information, and location information comprises:

determining the expected total number of people who participate in collection and payment according to the interaction information;

determining the actual headcount participating in collection and payment according to the estimated headcount and the position information;

and generating the information to be paid according to the payment information and the actual headcount.

5. The method of any of claims 1 to 3, wherein the generating the information to be paid based on the payment information, interaction information, and location information comprises:

if the position information corresponding to the second terminal device is the position information corresponding to the first terminal device, converting the position information into payment information of the position information of the first terminal device according to the payment information, wherein the two pieces of position information adopt different currencies;

generating the information to be paid according to the interactive information and the converted payment information; alternatively, the first and second electrodes may be,

and generating the information to be paid according to the interactive information, the payment information and the converted payment information.

6. The method of claim 1, further comprising:

receiving purchase demand information sent by the first terminal device, wherein the purchase demand information comprises purchase demands of at least one commodity;

generating commodity payment information according to the payment information corresponding to the at least one commodity;

and controlling the second terminal equipment to output the commodity payment information.

7. The method of claim 6, further comprising:

if the purchase demand information is multiple pieces, receiving a second settlement guiding instruction sent by the second terminal device or the first terminal device, wherein the second settlement guiding instruction is used for representing the total settlement of the multiple pieces of purchase demand information;

generating the information to be paid according to commodity payment information corresponding to each purchase demand information;

and controlling the second terminal equipment to output the information to be paid.

8. The method according to any one of claims 1 to 3 and 6 to 7, wherein after the controlling the second terminal device to output the information to be paid, the method further comprises:

and controlling the first terminal equipment to output the information to be paid.

9. The method of claim 8, wherein the controlling the first terminal device to output the information to be paid comprises: and if a second confirmation message sent by the second terminal equipment is received, controlling the first terminal equipment to output the information to be paid, wherein the second confirmation message is used for representing the confirmation of the payee to the payment information.

10. The method of claim 8, further comprising:

and controlling the first terminal equipment to output a payment interface corresponding to the information to be paid.

11. A terminal-based payment and receipt apparatus, the apparatus comprising:

the system comprises a receiving module, a payment processing module and a payment processing module, wherein the receiving module is used for receiving an inquiry request sent by first terminal equipment, and the inquiry request is used for inquiring information to be paid;

the acquisition module is used for acquiring the payment information of the second terminal equipment;

the first generating module is used for generating the information to be paid according to the payment information, the interaction information and the position information, wherein the interaction information is used for representing the chat contents of the payee and the payer, and the position information is used for representing the position information corresponding to the second terminal device and the first terminal device;

and the first control module is used for controlling the second terminal equipment to output the information to be paid.

12. The apparatus of claim 11,

the first control module is further configured to control the second terminal device to output the payment information;

the first generating module is configured to generate the information to be paid according to the payment information, the interaction information, and the location information if a first confirmation message sent by the second terminal device is received, where the first confirmation message is used to represent a confirmation of the payee on the payment information.

13. The apparatus of claim 11,

the first control module is used for controlling the second terminal device to output the inquiry request;

the obtaining module is used for obtaining payment information of the second terminal device if a first settlement guiding instruction of the second terminal device is received, wherein the first settlement guiding instruction is used for representing that the payee inputs information to be paid through the second terminal device.

14. The apparatus according to any one of claims 11 to 13, wherein the first generating module is configured to determine an expected headcount for taking part in payment according to the interaction information, determine an actual headcount for taking part in payment according to the expected headcount and the location information, and generate the information to be paid according to the payment information and the actual headcount.

15. The apparatus according to any one of claims 11 to 13, wherein the first generating module is configured to, if the location information corresponding to the second terminal device is the location information corresponding to the first terminal device, convert the location information corresponding to the second terminal device into the payment information of the location information of the first terminal device according to the payment information, where the two location information are in different currencies;

generating the information to be paid according to the interactive information and the converted payment information; or generating the information to be paid according to the interactive information, the payment information and the converted payment information.

16. The apparatus of claim 11, further comprising:

the receiving module is used for receiving purchase demand information sent by the first terminal device, wherein the purchase demand information comprises purchase demand of at least one commodity;

the second generation module is used for generating commodity payment information according to the payment information corresponding to the at least one commodity;

and the second control module is used for controlling the second terminal equipment to output the commodity payment information.

17. The apparatus of claim 16,

the receiving module is further configured to receive a second settlement directing instruction sent by the second terminal device or the first terminal device if the purchase demand information is multiple pieces, where the second settlement directing instruction is used to represent that the multiple pieces of purchase demand information are subjected to total settlement;

the second generation module is used for generating the information to be paid according to commodity payment information corresponding to each purchase demand information;

the second control module is used for controlling the second terminal device to output the information to be paid.

18. The apparatus of any one of claims 11 to 13, 16 to 17, further comprising:

and the third control module is used for controlling the first terminal equipment to output the information to be paid.

19. The apparatus according to claim 18, wherein the third control module is configured to control the first terminal device to output the information to be paid if a second confirmation message sent by the second terminal device is received, and wherein the second confirmation message is used to represent the confirmation of the payee for the payment information.

20. The apparatus of claim 18, wherein the third control module is configured to control the first terminal device to output a payment interface corresponding to the information to be paid.

21. A computer storage medium having stored thereon computer instructions which, when executed by a processor, cause the method of any of claims 1 to 10 to be performed.

22. A computer program product, characterized in that it causes the method of any of claims 1 to 10 to be performed when run on a processor.

23. An electronic device, comprising:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to cause the method of any one of claims 1 to 10 to be performed.

24. A chip, comprising:

the input interface is used for acquiring an inquiry request sent by first terminal equipment;

logic circuitry for performing the method of any one of claims 1 to 10 to obtain information to be paid for;

and the output interface is used for sending the information to be paid to the second terminal equipment.

25. A receipt and payment system, the system comprising:

the system comprises a first terminal device, a payment receiving and paying device and a second terminal device, wherein the first terminal device is used for sending an inquiry request to the payment receiving and paying device, and the inquiry request is used for inquiring information to be paid;

the payment and receipt apparatus for performing the method of any one of claims 1 to 10;

and the second terminal equipment is used for outputting the information to be paid.

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, a system, a storage medium, an electronic device, and a chip for receiving and paying money based on a terminal device.

Background

With the development of internet technology, terminal devices are widely used in daily life, and more services, such as payment and receipt services, can be supported by the terminal devices.

In the prior art, a user can receive and pay money through a terminal device, for example, after a certain party is finished, a certain user sends an inquiry request for inquiring the consumption amount of the certain party through the terminal device, after seeing the inquiry request, the user paying for the certain party can input a corresponding amount through the terminal device, and after seeing the corresponding amount, the inquired user can select a payment service through the terminal device, input and send payment information carrying the corresponding amount.

However, in the process of implementing the present invention, the inventors found that at least the following problems exist: the corresponding amount of money needs to be input by the user through the terminal equipment, the intellectualization is low, and the time resource of the user is wasted.

Disclosure of Invention

In order to solve the above technical problem, embodiments of the present application provide a method, an apparatus, a system, a storage medium, an electronic device, and a chip for receiving and paying based on a terminal device.

According to an aspect of an embodiment of the present application, an embodiment of the present application provides a method for receiving and paying money based on a terminal device, the method including:

receiving an inquiry request sent by a first terminal device, wherein the inquiry request is used for inquiring information to be paid;

acquiring payment information of second terminal equipment;

and controlling the second terminal equipment to output the information to be paid.

In the embodiment of the present application, if the execution subject of the embodiment of the present application is the server, when the server receives the inquiry request, the payment information of the second terminal device is obtained, the payee does not need to manually input the payment information, and the server obtains the chat content (i.e., the interaction information) of the payer and the payee based on the respective terminal devices, and obtains the position information (i.e., the position information) corresponding to the second terminal device and the first terminal device, and generates the information to be paid according to the payment information, the payee does not need to perform calculation based on the payment information, and the payer does not need to perform calculation based on the payment information.

In some embodiments, after the payment information of the second terminal device, the method further comprises:

controlling the second terminal device to output the payment information;

For example, the second terminal device is controlled to output the payment information, and the payee may choose to confirm the payment information after seeing the payment information, or may choose to update the payment information, and if the payee confirms the payment information, the payment information is correct.

That is to say, in the embodiment of the present application, the payee confirms the payment information, so that a technical effect of improving accuracy and reliability of the determined information to be paid can be achieved.

In some embodiments, after the receiving the query request sent by the first terminal device, the method further includes: controlling the second terminal device to output the inquiry request;

For example, the server may control the second terminal device to output an inquiry request, the payee may input a corresponding response on the second terminal device after seeing the inquiry request, and if the response input by the payee indicates that the payee is about to input payment information, the server obtains the payment information and generates the information to be paid according to the payment information, the interaction information and the location information.

In some embodiments, the generating the information to be paid according to the payment information, the interaction information and the location information includes:

determining the expected total number of people who participate in collection and payment according to the interaction information;

determining the actual headcount participating in collection and payment according to the estimated headcount and the position information;

and generating the information to be paid according to the payment information and the actual headcount.

In some embodiments, the generating the information to be paid according to the payment information, the interaction information and the location information includes:

generating the information to be paid according to the interactive information and the converted payment information; alternatively, the first and second electrodes may be,

and generating the information to be paid according to the interactive information, the payment information and the converted payment information.

For example, if the payee is in country a, the payer is in country B, the payee has bought XX for the payer in country a, and the amount of money input by the payee on the terminal device of the payee is based on the money in country a, the server converts the money into an amount based on the money in country B upon receiving the amount based on the money in country a.

That is to say, in the embodiment of the present application, the server automatically converts the money, so that the disadvantage that time and energy are wasted when the money is converted by the payee or the payer is avoided, and the technical effect of intellectualization of collection and payment is achieved.

In some embodiments, the method further comprises:

receiving purchase demand information sent by the first terminal device, wherein the purchase demand information comprises purchase demands of at least one commodity;

generating commodity payment information according to the payment information corresponding to the at least one commodity;

and controlling the second terminal equipment to output the commodity payment information.

For example, the server may generate the payment information of the commodity for learning that the payer has a demand for purchasing the commodity, and display the payment information of the commodity on the second terminal device.

In the embodiment of the application, the commodity payment information is determined through the server, and the second terminal device is controlled to output the commodity payment information, so that the payee does not need to feed back the commodity payment information to the purchase demand information.

In some embodiments, a mapping table may be preset in the server, and the mapping table includes a mapping relationship between the commodity and the price. When the server receives the purchase demand information, the price corresponding to the commodity can be obtained from the mapping table according to the commodity in the purchase demand information, and commodity payment information is generated.

In some embodiments, the server may control the first terminal device to output the payment information of the commodity while controlling the second terminal device to output the payment information of the commodity; of course, the server may also control the first terminal device to output the commodity payment information when receiving the information of the second terminal device for confirmation of the commodity payment information; of course, the server may control the first terminal device to output the payment information of the commodity after determining the payment information of the commodity.

In some embodiments, the method further comprises:

generating the information to be paid according to commodity payment information corresponding to each purchase demand information;

and controlling the second terminal equipment to output the information to be paid.

The second solution guidance instruction may be settlement guidance information in a specific embodiment.

For example: and if the payee inputs a second calculation instruction on the second terminal device, if the instruction is 'total', the server generates information to be paid according to commodity payment information corresponding to the five pieces of purchase demand information and controls the second terminal device to output the information to be paid.

That is to say, in the embodiment of the application, the server can automatically calculate the information to be paid corresponding to each purchase demand information, and the payee or payer is not required to perform calculation, so that the technical effect of improving intelligence is achieved.

In some embodiments, after the controlling the second terminal device to output the information to be paid, the method further comprises:

and controlling the first terminal equipment to output the information to be paid.

In some embodiments, the controlling the first terminal device to output the information to be paid comprises: and if a second confirmation message sent by the second terminal equipment is received, controlling the first terminal equipment to output the information to be paid, wherein the second confirmation message is used for representing the confirmation of the payee to the payment information.

In some embodiments, the method further comprises:

and controlling the first terminal equipment to output a payment interface corresponding to the information to be paid.

For example, after the server controls the first terminal device to output the information to be paid (of course, the server may also control the first terminal device to output the payment interface, and the payer may complete payment after confirming the payment information corresponding to the payment interface (e.g., inputting a payment password).

That is to say, in the embodiment of the application, the payer does not need to manually select and input the payment amount, but can directly perform payment operation based on the payment interface, so that the operation time of the user is saved, and the technical effect of the transfer experience of the user is improved.

According to another aspect of the embodiments of the present application, there is also provided a terminal device-based payment and receipt apparatus, including:

the acquisition module is used for acquiring the payment information of the second terminal equipment;

and the first control module is used for controlling the second terminal equipment to output the information to be paid.

In some embodiments, the first control module is further configured to control the second terminal device to output the payment information;

In some embodiments, the first control module is configured to control the second terminal device to output the query request;

In some embodiments, the first generating module is configured to determine an estimated headcount participating in collection and payment according to the interaction information, determine an actual headcount participating in collection and payment according to the estimated headcount and the location information, and generate the information to be paid according to the payment information and the actual headcount.

In some embodiments, the first generating module is configured to, if the location information corresponding to the second terminal device and the location information corresponding to the first terminal device are two pieces of location information in different currencies, convert the two pieces of location information into payment information of the location information of the first terminal device according to the payment information;

In some embodiments, the apparatus further comprises:

the receiving module is used for receiving purchase demand information sent by the first terminal device, wherein the purchase demand information comprises purchase demand of at least one commodity;

the second generation module is used for generating commodity payment information according to the payment information corresponding to the at least one commodity;

and the second control module is used for controlling the second terminal equipment to output the commodity payment information.

In some embodiments, the receiving module is further configured to receive a second settlement directing instruction sent by the second terminal device or the first terminal device if the pieces of purchase demand information are multiple pieces, where the second settlement directing instruction is used to represent that the multiple pieces of purchase demand information are subjected to total settlement;

the second generation module is used for generating the information to be paid according to commodity payment information corresponding to each purchase demand information;

the second control module is used for controlling the second terminal device to output the information to be paid.

In some embodiments, the apparatus further comprises:

and the third control module is used for controlling the first terminal equipment to output the information to be paid.

In some embodiments, the third control module is configured to, if a second confirmation message sent by the second terminal device is received, control the first terminal device to output the information to be paid, where the second confirmation message is used to characterize confirmation of the payee on the payment information.

In some embodiments, the third control module is further configured to control the first terminal device to output a payment interface corresponding to the information to be paid.

According to another aspect of the embodiments of the present application, there is also provided a computer storage medium having stored thereon computer instructions, which, when executed by a processor, cause the method of any of the above embodiments to be performed.

According to another aspect of embodiments of the present application, there is also provided a computer program product, which when run on a processor, causes the method of any of the above embodiments to be performed.

According to another aspect of the embodiments of the present application, there is also provided an electronic device, including:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to cause the method of any one of the above to be performed.

According to another aspect of the embodiments of the present application, there is also provided a chip, including:

the input interface is used for acquiring an inquiry request sent by first terminal equipment;

logic circuitry for performing a method as in any one of the above embodiments to obtain information to be paid;

and the output interface is used for sending the information to be paid to the second terminal equipment.

According to another aspect of an embodiment of the present application, there is also provided a receipt and payment system, including:

the payment and receipt device is used for executing the method of any one of the above embodiments;

and the second terminal equipment is used for outputting the information to be paid.

Drawings

The drawings are included to provide a further understanding of the embodiments of the application and are not intended to limit the application. Wherein the content of the first and second substances,

fig. 1 is a schematic view of an application scenario of a terminal device-based payment and receipt method according to an embodiment of the present application;

FIG. 2 is a schematic diagram of a terminal device-based receipt and payment method according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a terminal device-based receipt and payment method according to another embodiment of the present application;

FIG. 4 is a schematic interface diagram of one embodiment of the present application;

FIG. 5 is a schematic interface diagram according to another embodiment of the present application;

FIG. 6 is a schematic interface diagram according to another embodiment of the present application;

FIG. 7 is a schematic interface diagram of another embodiment of the present application;

FIG. 8 is a schematic interface diagram of another embodiment of the present application;

FIG. 9 is a schematic diagram of a terminal device-based receipt and payment method according to another embodiment of the present application;

FIG. 10 is a schematic interface diagram of another embodiment of the present application;

FIG. 11 is a schematic interface diagram according to another embodiment of the present application;

FIG. 12 is a schematic interface diagram of another embodiment of the present application;

FIG. 13 is a schematic interface diagram of another embodiment of the present application;

FIG. 14 is a schematic diagram of a terminal device-based receipt and payment method according to another embodiment of the present application;

FIG. 15 is a schematic interface diagram of another embodiment of the present application;

FIG. 16 is a schematic interface diagram of another embodiment of the present application;

FIG. 17 is a schematic interface diagram of another embodiment of the present application;

FIG. 18 is a schematic interface diagram of another embodiment of the present application;

FIG. 19 is a schematic interface diagram of another embodiment of the present application;

FIG. 20 is a schematic interface diagram of another embodiment of the present application;

FIG. 21 is a schematic interface diagram of another embodiment of the present application;

fig. 22 is a schematic diagram of a terminal device-based payment and receipt apparatus according to an embodiment of the present application;

FIG. 23 is a schematic diagram of a chip according to an embodiment of the present application;

fig. 24 is a schematic view of an electronic device according to an embodiment of the present application.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

The method for collecting and paying money based on the terminal equipment provided by the embodiment of the application can be applied to the application scene shown in figure 1.

In the application scenario shown in fig. 1, each user corresponds to one or more terminal devices, and each terminal device is connected to a server, and the terminal devices interact with each other through the server and receive and pay.

The server can distinguish different users based on the user identification ID and determine one or more terminal devices corresponding to the different users.

For example, if a user uses multiple terminal devices before and after the same payment or receipt process, the server may determine that the user using the multiple terminal devices is the same user based on the user identifier of the user.

In the related technology, for example, after a user in a group participates in a certain dinner, the user initiates a receiving and paying, the user in the group can inquire the consumption amount of the dinner through a terminal device, the user who pays for the dinner inputs a corresponding amount through the terminal device, and other users who participate in the dinner select a payment service through the terminal device, input and send payment information carrying the corresponding amount.

However, the user who pays for the dinner party needs to manually input the corresponding amount, and other users who participate in the dinner party also need to manually select the payment service and manually input the corresponding amount, so that the process is complicated, and the intelligence is low.

After creative work, the inventor of the application obtains the inventive concept of the application: and determining the information to be paid according to the payment information of the user who pays the fee for the dinner gathering, the interaction information of each user in the group and the position information of each user in the group, wherein the user does not need to perform complicated operation.

For example, as shown in fig. 2, the method based on the inventive concept may include:

s01: and receiving an inquiry request sent by the terminal equipment of the payer, wherein the inquiry request is used for inquiring the information to be paid.

S02: and obtaining payment information of the terminal equipment of the payee.

S03: and generating information to be paid according to the payment information, the interactive information and the position information, wherein the interactive information is used for representing the chat content of the payee and the payer, and the position information is used for representing the position information corresponding to the terminal equipment of the payee and the terminal equipment of the payer respectively.

S04: and controlling the terminal equipment of the payee to output the information to be paid.

The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

According to one aspect of the embodiment of the application, the embodiment of the application provides a receiving and paying method based on terminal equipment.

Referring to fig. 3, fig. 3 is a schematic diagram of a terminal device-based payment and receipt method according to another embodiment of the present application.

As shown in fig. 3, the method includes:

s101: and sending an inquiry request sent by a terminal device (hereinafter referred to as a first terminal device) of a payer to a terminal device (hereinafter referred to as a second terminal device) of a payee, wherein the inquiry request is used for inquiring the information to be paid.

The execution main body of the embodiment of the application can be a server, and the server is connected with a plurality of terminal devices and used for realizing information interaction among the terminal devices.

The "payer," "payer's terminal device," "payee" and "payee's terminal device" are used to distinguish the payee from the payer, and to distinguish the terminal device used by the payee from the terminal device used by the payer, but cannot be understood as limitations on the user and on the terminal device itself, in the same payment process.

For example, if a user is a user who initiates collection, the user may be called a collector in the link in order to distinguish the collection role of the user from the payment roles of other users; if the user is a paying user, the user may be called a payer in order to distinguish the paying role of the user from the receiving role of another user. Correspondingly, when a user collects money by using the terminal equipment, the terminal equipment is the terminal equipment (namely, the first terminal equipment) of a payee; and when the user adopts the terminal equipment to pay, the terminal equipment is the terminal equipment (namely, the second terminal equipment) of the payer.

The terminal devices (including the first terminal device and the second terminal device) may include an electronic device including a display interface, which supports a chat application and supports a payment and receipt application.

Specifically, the terminal device may be a wireless terminal or a wired terminal. A wireless terminal may refer to a device that provides voice and/or other traffic data connectivity to a user, a handheld device having wireless connection capability, or other processing device connected to a wireless modem. A wireless terminal, which may be a mobile terminal such as a mobile telephone (or "cellular" telephone) and a computer having a mobile terminal, for example, a portable, pocket, hand-held, computer-included, or vehicle-mounted mobile device, may communicate with one or more core Network devices via a Radio Access Network (RAN), and may exchange language and/or data with the RAN. For another example, the Wireless terminal may also be a Personal Communication Service (PCS) phone, a cordless phone, a Session Initiation Protocol (SIP) phone, a Wireless Local Loop (WLL) station, a Personal Digital Assistant (PDA), and other devices. A wireless Terminal may also be referred to as a system, a Subscriber Unit (Subscriber Unit), a Subscriber Station (Subscriber Station), a Mobile Station (Mobile), a Remote Station (Remote Station), a Remote Terminal (Remote Terminal), an Access Terminal (Access Terminal), a User Terminal (User Terminal), a User Agent (User Agent), and a User Device or User Equipment (User Equipment), which are not limited herein. Optionally, the terminal device may also be a smart watch, a tablet computer, or the like.

In the embodiment of the present application, a terminal device is mainly taken as an example, and is exemplarily described. In some embodiments, the execution subject of the application embodiment may also be a payment and receipt device disposed in the terminal device, and the payment and receipt device may be a chip.

In the embodiment of the present application, the number of the payers is not limited, that is, the number of the payers may be 1, or may be multiple, and the payers may be some users in a certain group in the chat application, or may be all users in a certain group in the chat application, and the user who initiates the inquiry request may be any user in the payers.

As shown in fig. 4, in a group including 5 persons, one user is a payee, the other 4 users are payers, and one user of the 4 payers may initiate an inquiry request through the first terminal device corresponding to the user to inquire the information to be paid, i.e., "how much money this day has been cooked" shown in fig. 4.

S102: the total amount of collection is output through a display interface (hereinafter referred to as a second display interface) of the second terminal device.

Wherein the total amount of money collection is determined based on the payment amount of the second terminal within a preset time period.

Similarly, in order to distinguish the display interface of the first terminal device from the display interface of the second terminal device, the display interface of the terminal device of the payee may be referred to as the second display interface, and the display interface of the terminal device of the payer, which will be described later, may be referred to as the first display interface.

The preset time period may be determined by a chat record, or may be set based on a demand, experience, or experiment. For example, if the time of a party is known through the chat records, the corresponding payment amount is obtained according to the time of the party, and the payment amount is determined as the total amount of money to be collected.

That is, in some embodiments, the server may determine the total amount to be collected by obtaining payment information corresponding to the time of the meal gathering.

For example, when the payee inputs "total" on the second display interface, the server determines and outputs 1376 yuan through the second display interface.

Of course, in other embodiments, the total amount of money to be collected output by the server through the second display interface may also be input by the receiver. For example, the payee may enter a total amount to be collected on the second display interface upon reading the inquiry request displayed through the second display interface.

S103: and determining the payer and the payment amount according to the total amount collected and the historical record.

Wherein the history is used to characterize chat content and location information related to the receipt and payment.

That is, the history may be embodied in two aspects, namely, recording of the chat content on the one hand, and recording of the location information of the terminal device (including the first terminal device and the second terminal device) on the other hand.

In some embodiments, S103 may specifically include:

s31: chat content is monitored.

S32: the chat content is analyzed to determine whether the chat content relates to a need for payment, and if so, S33 is executed, and if not, S31 is executed.

In order to accurately determine whether the chat content relates to the demand for payment, the chat content relating to the demand for payment may be labeled in advance. The labeling process is performed on chat content related to the demand of the receipt and payment based on the demand, experience, experiment and the like, and different labels can be adopted according to different scenes of the demand of the receipt and payment.

For example, if the chat content is "go XX together to eat", the chat content may be labeled "party"; if the chat content is "go to spring XX together," the chat content may be labeled "going out" and so on.

It should be noted that the above examples are only used for illustrating the limitation of the scenario in which different labels can be configured for different chat contents in advance, and cannot be understood as the limitation of the demand for payment receipt and the limitation of the label type.

And in some embodiments, the chat content may be contextual chat content, i.e., a request to determine whether collection or payment is involved in conjunction with the context, and perform the tagging process.

And in other embodiments, rather than labeling chat content from the dimension of the scenario of demand for receipt and payment as in the above example, the chat content may be tagged with time and address based thereon. Wherein, the time labels comprise 'tomorrow, background and specific date' and the like; the label of the address includes "a restaurant and XX way", and the like.

S33: an expected total number of persons participating in the receipt and payment is determined.

Illustratively, if in general, a need related to the receipt or payment is determined in a group, and no one is proposing a different opinion, such as not participating in a certain party or trip, the number of people in common with the group may be determined as the expected headcount.

For example, based on the above example, if the payee initiates a party suggestion of "go XX restaurants and eat", other users do not agree, the default is that other users agree with the payee's party suggestion, and the total number of people is expected to be 5.

Of course, if there is a user disapproval when the payee initiates the party proposal of "go XX restaurant to eat", the total number of people is expected to be 4. The method is similar to the method when a plurality of users disagree, and is not listed.

It should be noted here that no dinner party is currently provided, in this case, the payee is still unknown, that is, the payee may be any one of 5 users, which is convenient for the reader to understand and is convenient to combine with the context, and it is assumed here that the user initiating the dinner party suggestion is the payee user, and of course, the user initiating the dinner party suggestion may also be other users, and the implementation principle is the same, and is not described here again.

S34: judging whether the chat content relates to the position information, if so, executing S35; if not, S36 is executed.

S35: the number of users who are located at the location information for a certain period of time (the number of users of the branch S36 for convenience is distinguished, hereinafter referred to as a first number) is determined, and S37 is performed.

For example, if the chat content relates to location information, which is equivalent to an address of the chat content relating to a dinner party, whether 5 users (assuming that the users of the group agree with the dinner party suggestion) all locate at the address in a certain time period, if so, it is stated that 5 users all participate in the dinner party, and the first number is 5; if a portion of users are not at the address for the time period, indicating that the portion of users are not participating in the dinner party, the first number is the number of users at the address for the time period, or the first number is 5 minus the number of users not participating in the dinner party.

S36: the number of users who are located at a certain same address for a certain period of time (the number of users of the branch S35 for convenience is distinguished, hereinafter referred to as a second number) is determined, and S37 is performed.

For example, if the chat content does not relate to the location information, which is equivalent to that the chat content does not relate to the address of the dinner party, the address of each user in each time period can be obtained, and if 5 users are located at the same address in a certain time period, it indicates that the dinner party is carried out at the address by the 5 users, and the second number is 5; if some of the 5 users are located at the address in the time period, which indicates that some of the 5 users participate in the dinner, the second number is the number of users located at the address in the time period.

S37: judging whether the chat content relates to the number of people participating in payment, if so, executing S38; if not, S42 is executed.

For example, although some portion of users are involved in a party, that portion of users do not need to make payments. If 4 users in the group request another user to eat together, the number of people participating in the payment does not include the requested user. Therefore, in order to improve the accuracy and reliability of the determined payer and the payment amount, the number of persons who participate in the payee may be determined first.

S38: judging whether the number of the persons participating in the payment and the determined number of the users are the same, if so, executing S39; if not, S41 is executed.

S39: the number of persons participating in the payment or the determined number of users is determined as the number of consuming users.

S40: the payment amount of each user (including the payer and the payee) is determined according to the total amount collected and the number of the consuming users.

S41: the number of persons participating in the payment is determined as the number of consuming users, and SS40 is executed.

S42: the determined number of users is determined as the number of consuming users, and S40 is performed.

S104: and displaying the information to be paid through a second display interface.

Wherein the information to be paid is used for information representing the number of the payer and/or information representing the amount of live payment.

For example, if the total amount of money to be collected is 1376 yuan, the number of payers is 4, and the receiver is also one of 1376 yuan consumers, so the number of consuming users is the sum of the payers and the receivers, and when calculating the amount of money to be collected, the receiver should also be included, that is, the amount of money to be collected is 1376 yuan/the number of consuming users is 5 to 275.2 yuan/person.

In some embodiments, the quantity of the consuming user and the average payment amount may be displayed on the second display interface. Wherein, the average payment amount is the payment amount corresponding to each consumer. Such as "4 outstanding payments, 275.2 dollars per person" shown in fig. 5.

Of course, in other embodiments, the payer and the payment amount may also be output on the second display interface while the number of customers and the average payment amount are displayed. As shown in fig. 6, the related information (including the avatar and the user name) of the 4 parties to be paid is displayed, and the corresponding payment amount is displayed.

And in some embodiments, while the payment amounts corresponding to the payer and the payer, respectively, are output through the second display interface, a query may be initiated to the payee for confirming whether the displayed information is correct, as shown in "determine" in fig. 6.

S105: and receiving a confirmation instruction input by the payee through the second display interface, wherein the confirmation instruction is used for representing the payee to confirm that the payer and the payment amount are correct.

S106: and sending the information carrying the payment amount to the first terminal equipment according to the payer.

To improve the accuracy of the receipt and payment, the payment amounts corresponding to the payer and the payer may be displayed on the second display interface and confirmed by the payee. Avoiding missing payers or adding to payers who do not participate in a party.

In some embodiments, the payee may perform a click operation on the total amount to be collected displayed on the second display interface, and after receiving the click operation of the payee, the payment amounts corresponding to the payer and the payer may be displayed on the second display interface.

For example, when the second display interface is as shown in fig. 5, the payee may click "1376 yuan in total" and then enter the display interface shown in fig. 6, and after receiving "determine" triggered by the payee, the first terminal device will be carried with information of the payment amount.

That is to say, in the embodiment of the present application, the second terminal device may send the information carrying the payment amount to the first terminal device after being confirmed by the payee, or may directly send the information carrying the payment amount to the first terminal device.

As can be seen from the above example, there may be one or more payers, and in this step, the information carrying the payment amount may be sent to each second terminal device by obtaining the identification ID of the second terminal device of each payer and based on the identification ID.

S107: and outputting information carrying the payment amount through the first display interface.

As can be seen in fig. 7, a "you need to pay 275.2 yuan" may be displayed on the first display interface.

And in some embodiments, the total amount may also be displayed on the first display interface, such as "total 1376 dollars" shown in fig. 7.

Of course, in other embodiments, a total payor number, such as "1376 total, 5 payors" (not shown) may also be displayed on the first display interface.

S108: and outputting a payment interface carrying the payment amount through the first display interface.

Illustratively, in some embodiments, the payment interface may be output directly on the first display interface.

In other embodiments, the user may trigger the first online interface to output the payment interface by clicking "you need to pay 275.2 yuan" displayed on the first display interface.

The payment interface can be referred to in detail in fig. 8.

S109: and receiving a payment instruction sent by the first terminal equipment, and executing payment operation.

For example, as shown in fig. 8, when the payer clicks "ok" of the payment interface, the first terminal device sends an instruction to the server, and the server performs the payment operation.

Referring to fig. 9, fig. 9 is a schematic diagram of a terminal device-based payment and receipt method according to another embodiment of the present application.

As shown in fig. 9, the method includes:

s201: and sending the purchase demand information sent by the first terminal equipment to the second terminal equipment.

The purchase demand information is used for representing relevant information of the payer for purchasing the commodity, such as one or more of the name, the model and the quantity of the purchased commodity.

It should be noted that, since the purchase demand information also relates to the demand for receiving and paying, and as can be seen from the above example, the chat content relating to the demand for receiving and paying can be labeled, in the embodiment of the present application, the chat content can be labeled with a "shopping" label, and so on, for the scenario of purchasing goods. Similarly, labels of addresses can be configured for chat contents, labels of products can be configured, and the like.

For example, "do you go to country XX? Helping me to buy XXX lights ", the chat could be tagged with a" buy substitute "label and configure the product label" XXX lights "and the address label" XX nation ". In this regard, reference may be made to fig. 10 for a specific display interface.

S202: and outputting purchase feedback information through the second terminal equipment, wherein the purchase feedback information carries the amount of money to be converted.

Wherein the amount to be converted is used to characterize the amount expressed in monetary units of country XX.

For example, if the currency unit of country XX is U.S. dollars, then the amount to be converted is X U.S. dollars.

As can be seen from the above examples, in the embodiment of the present application, the purchase feedback information may also be determined based on the payment amount of the second terminal within the preset time period.

That is, in some embodiments, the server may determine the purchase feedback information by obtaining payment information for the payee.

For example, when the payee inputs "buy" on the second display interface, the server determines and outputs $ 42.5 through the second display interface. See in particular fig. 11.

Of course, in other embodiments, the total amount of money to be collected output by the server through the second display interface may also be input by the receiver. For example, when the payee buys the XXX light for the payer, purchase feedback information may be entered on the second display interface. For example, "I bought $ 42.5 today".

S203: location information of the second terminal device (hereinafter referred to as second location information) is acquired, and location information of the first terminal device (hereinafter referred to as first location information) is acquired.

The first location information and the second location information are used for distinguishing the locations of the first terminal device and the second terminal device, and cannot be understood as a limitation of the location information itself.

Specifically, there are various ways for the server to obtain the first location information and the second location information, and the present application is not limited thereto.

Taking the server to obtain the second location information as an example:

in some embodiments, the server may determine the second location information based on the chat content. As based on the chat content shown in fig. 10, the server is right to "do you go to the XX country? Help me buy XXX lights. "the second location information is XX country by analysis.

In other embodiments, the server may collect the second location information by a sensor provided on the second terminal device. The sensor includes a sensor with a Positioning function, such as a Global Positioning System (GPS).

In other embodiments, the server may also collect travel information of the payee and determine the second location information based on the travel information. The travel information is used to represent information related to travel of the payee, for example, the travel information may include information of an airline ticket purchased by the payer through the second terminal device, and may also include a travel log set by the payee on the second terminal device, and the like.

For example, if the travel information is information of an airline ticket purchased by the payer through the second terminal device, the location information of the destination of the airline ticket is the second location information.

Similarly, if the travel information is the trip log, the location information of the destination in the trip log is the second location information.

Taking the server to obtain the first location information as an example:

in some embodiments, the server may determine the first location information based on the chat content. As based on the chat content shown in fig. 10, the server is right to "do you go to the XX country? Help me buy XXX lights. The second location information is XX country, and the location information where the second terminal device is located at the moment of generating the chat content is the first location information.

In other embodiments, the server may also determine the first location information based on the travel information. Based on the above example, if the travel information is information of an airline ticket purchased by the payer through the first terminal device, the first location information is location information of a start place of the airline ticket. If the travel information is the trip log, the position information of the starting place in the trip log is the first position information.

In other embodiments, the server may also select the location information with the longest dwell time from the location information within the preset time to determine as the first location information.

S204: and converting the amount to be converted according to the first position information and the second position information to generate the amount to be paid corresponding to the first position information.

Wherein the amount to be paid is used to characterize the amount expressed in monetary units of the country in which the first location information is located.

Specifically, the server may obtain a currency conversion rate between the two pieces of location information based on the first location information and the second location information, and perform conversion calculation on the amount to be converted according to the currency conversion rate to generate the amount to be paid.

For example, if the currency measurement unit of the country where the first location information is located is renminbi, the amount to be paid is XX yuan.

In some embodiments, after determining the amount to be paid, the server may display the amount to be paid through the second display interface. The specific display interface can be seen in fig. 11.

As shown in fig. 11, the purchase feedback information is "i buy today, $ 42.5", and "$ 42.5" is the amount to be converted. The second display may also display the amount to be paid "275.2 yuan" along with "i buy today, $ 42.5".

S205: and sending the purchase feedback information carrying the amount to be paid to the first terminal equipment.

In some embodiments, the server may send purchase feedback information carrying the amount to be paid to the first terminal device when the payee clicks on "i buy today, $ 42.5" on the second display interface.

The purchase feedback information may further include the amount to be converted, that is, the purchase feedback information includes both the amount to be paid and the amount to be converted.

S206: and displaying the purchase feedback information carrying the amount to be paid through the first display interface.

Of course, in some embodiments, when the feedback information carrying the amount to be paid is displayed through the first display interface, the amount to be converted may also be displayed. Referring specifically to fig. 12, as shown in fig. 12, when the amount to be paid "275.2 yuan" is displayed on the first terminal device, the amount to be converted "$ 42.5" may also be displayed.

It should be noted that, in the present application, the display position of the amount to be paid and the display position of the amount to be converted are not limited, that is, the amount to be paid and the amount to be converted may be displayed in the display manner as shown in fig. 12, or the display positions of the amount to be paid and the amount to be converted may be exchanged.

S207: and outputting a payment interface carrying the amount to be paid through the first display interface.

Illustratively, in some embodiments, the payment interface may be output directly through the first display interface.

In some embodiments, the payer may trigger the output of the payment interface on the first display interface by clicking "I buy today, 275.2 Yuan" output on the first display interface.

The payment interface can be referred to in detail in fig. 13.

S208: and receiving a payment instruction sent by the first terminal equipment, and executing payment operation.

For example, as shown in fig. 13, when the payer clicks "ok" of the payment interface, the server performs the payment operation.

Referring to fig. 14, fig. 14 is a schematic diagram of a terminal device-based payment and receipt method according to another embodiment of the present application.

As shown in fig. 14, the method includes:

s301: and monitoring the purchase demand information sent to the second terminal equipment by the first terminal equipment.

As can be seen from the above examples, the purchase demand information may be used to characterize the related information of the purchased goods of the payer, such as one or more of the name, model, quantity, and the like of the purchased goods. In the embodiment of the present application, the purchase demand information includes a plurality of names, models, quantities, and the like of the purchased commodities, for example, the purchase demand information includes both the names and the quantities of the purchased commodities.

Illustratively, the purchase demand information may include one or more purchase demands in a one-time purchase experience. Wherein a purchase experience can be used to characterize the length of time a purchase is completed. That is, the purchase demand information may be a demand for a name of a product purchased by the payer, a number of purchased products, and the like within a preset time period. And the preset duration can be set based on requirements, experience, tests, and the like.

For example, a purchase intention tag of the purchase demand information may be set, and when the chat content initiated by the payer includes the content of the purchase intention tag, such as "sell" and "how much money", etc., it indicates that the payer has a purchase demand, and the second terminal device starts listening to the chat content.

As shown in fig. 15, when the payer inputs "how to sell the XX mask" on the first display interface, the server determines that the chat content includes the content of the purchase intention tag, and the server starts listening to the chat content.

In some embodiments, the time point when the payment ends may be used as the end point of the preset duration, that is, the second terminal device ends the monitoring of the chat content.

In other embodiments, the time point of generating the amount to be paid may also be used as the end time of the preset duration, that is, the second terminal device ends monitoring the chat content.

S302: and outputting payment information corresponding to the purchase demand information through the first display interface.

As can be seen from the above example, the purchase demand information may be the name of the product that the payer needs to purchase, the number of the purchased product, and the like within a preset time period. In some embodiments, if the purchase demand information is a purchase demand of a certain product and the purchase quantity determined according to the purchase demand information is 1, the server obtains price information of a product name pre-stored with the purchase demand information, determines the amount of money as payment information, and outputs the payment information through the first display interface.

In some embodiments, a mapping relationship between a commodity name and a price may be constructed, and/or a mapping relationship between a commodity picture and a price may be constructed, and when the purchase demand information sent by the first terminal device is monitored, the price is determined according to the commodity name or the commodity picture in the purchase demand information and the mapping relationship.

For example, as shown in fig. 15, if the customer knows that the product demand of the payer is XX mask according to the purchase demand information, the server obtains the price information of XX mask 52.5 yuan per box, and outputs 52.5 yuan per box through the first display interface, which can be referred to in fig. 16.

Of course, in other embodiments, the payment information may also be input by the payee via the second display interface.

The above example exemplarily recites that if the purchase demand information of the payer includes one product and the number is 1, the purchase demand information includes one product and the number is plural, such as 5 as an example, as follows.

As shown in fig. 17, if the payer inputs "how much money is for the XX mask of 5 boxes" on the first display interface, the server obtains a unit price of 52.5 yuan for the XX mask, and determines payment information 262.5 yuan by counting 5 boxes by 52.5 yuan per unit price. And unit prices can also be displayed as shown in fig. 17.

S303: and receiving settlement guide information sent by the first terminal device and/or the second terminal device.

The settlement guide information is used for representing that the purchase demand information is finished, namely the purchase demand of the payer is finished.

In some embodiments, a purchase ending tag of the purchase intention ending may also be set, and when the chat content input by the payer and/or the payee includes the content of the purchase ending tag, such as "total" and the like, it indicates that the payer and/or the payee inputs settlement guide information.

That is, in some embodiments, the settlement guide information may be "i buy five boxes of mask, two pieces of facial milk, total money" as shown in fig. 18.

In other embodiments, the settlement guide information may be "total" as shown in fig. 19.

S304: and generating the amount to be paid according to the chat content corresponding to the purchase demand information.

The chat content corresponding to the purchase demand information is used for representing the chat content from the time of receiving the purchase demand information from the server to the time of receiving the settlement guide information.

As shown in fig. 19, when the receiver inputs the settlement guide information, that is, "total", the server calculates the amount to be paid, which is 52.5 × 5+38 × 2 — 338.5 yuan, from the chat content.

In the embodiment of the application, the payee does not need to perform calculation, the second terminal device performs calculation based on the chat content, and displays the calculated amount to be paid.

S305: and displaying the amount to be paid through a first display interface.

In some embodiments, the server may display the amount to be paid directly through the first display interface after generating the amount to be paid.

In other embodiments, after the server generates the amount to be paid, the amount to be paid may also be displayed through the second display interface, and when a "send" instruction of the second terminal device is received, the amount to be paid is sent to the first terminal device and displayed through the first display interface.

The display interface may specifically refer to fig. 20.

S306: and outputting a payment interface carrying the amount to be paid through the first display interface.

Illustratively, in some embodiments, the payment interface may be output directly through the first display interface.

In some embodiments, the payer may trigger the output of the payment interface on the first display interface by clicking on "338.5 dollars total" output by the first display interface.

The payment interface can be referred to in detail in fig. 21.

S307: and receiving a payment instruction sent by the first terminal equipment, and executing payment operation.

For example, as shown in fig. 21, when the payer clicks "ok" of the payment interface, the first terminal device sends an instruction to the server, and the server performs the payment operation.

According to another aspect of the embodiments of the present application, there is also provided a terminal device-based payment and receipt apparatus for performing the method according to any of the embodiments.

Referring to fig. 22, fig. 22 is a schematic diagram of a terminal device-based payment and receipt apparatus according to an embodiment of the present application.

As shown in fig. 22, the apparatus includes:

a receiving module 11, configured to receive an inquiry request sent by a terminal device of a payer, where the inquiry request is used to inquire information to be paid;

the acquisition module 12 is configured to acquire payment information of a terminal device of a payee;

the first generating module 13 is configured to generate the information to be paid according to the payment information, the interaction information and the location information, where the interaction information is used to represent chat contents of the payee and the payer, and the location information is used to represent location information corresponding to the terminal device of the payee and the terminal device of the payer, respectively;

and the first control module 14 is used for controlling the terminal equipment of the payee to output the information to be paid.

In some embodiments, the first control module 14 is further configured to control the payee's terminal device to output the payment information;

the first generating module 13 is configured to generate the information to be paid according to the payment information, the interaction information, and the location information if a first confirmation message sent by the terminal device of the payee is received, where the first confirmation message is used to represent a confirmation of the payee on the payment information.

In some embodiments, the first control module 14 is configured to control the payee's terminal device to output the inquiry request;

the obtaining module 12 is configured to obtain payment information of the terminal device of the payee if a first settlement directing instruction of the terminal device of the payee is received, where the first settlement directing instruction is used to represent that the payee inputs information to be paid through the terminal device of the payee.

In some embodiments, the first generating module 13 is configured to determine an estimated headcount participating in collection and payment according to the interaction information, determine an actual headcount participating in collection and payment according to the estimated headcount and the location information, and generate the information to be paid according to the payment information and the actual headcount.

In some embodiments, the first generating module 13 is configured to, if the location information corresponding to the terminal device of the payee is the location information corresponding to the terminal device of the payer, convert the location information into the payment information of the location information of the terminal device of the payer according to the payment information, where the location information is two location information in different currencies;

As can be seen in fig. 22, in some embodiments, the apparatus further comprises:

the receiving module 11 is configured to receive purchase demand information sent by the terminal device of the payer, where the purchase demand information includes purchase demand of at least one commodity;

the second generating module 15 is configured to generate payment information of the commodity according to the payment information corresponding to the at least one commodity;

and the second control module 16 is configured to control the terminal device of the payee to output the commodity payment information.

In some embodiments, the receiving module 11 is further configured to receive a second settlement directing instruction sent by the terminal device of the payee or the terminal device of the payer if the plurality of pieces of purchase demand information are provided, where the second settlement directing instruction is used to represent that the plurality of pieces of purchase demand information are subjected to total settlement;

the second generating module 15 is configured to generate the information to be paid according to the commodity payment information corresponding to each piece of purchase demand information;

the second control module 16 is configured to control the terminal device of the payee to output the information to be paid.

As can be seen in fig. 22, in some embodiments, the apparatus further comprises:

and a third control module 17, configured to control the terminal device of the payer to output the information to be paid.

In some embodiments, the third control module 17 is configured to control the terminal device of the payer to output the information to be paid if a second confirmation message sent by the terminal device of the payee is received, where the second confirmation message is used to characterize the confirmation of the payee on the payment information.

In some embodiments, the third control module 17 is configured to control the terminal device of the payer to output a payment interface corresponding to the information to be paid.

According to another aspect of the embodiment of the present application, the embodiment of the present application further provides a chip, and the above-mentioned receiving and payment apparatus based on the terminal device may also be understood as a chip.

Referring to fig. 23, fig. 23 is a schematic diagram of a chip according to an embodiment of the disclosure.

As shown in fig. 23, the chip includes:

an input interface 31 for acquiring an inquiry request sent by a terminal device of a payer;

logic circuitry 32 for performing a method as described in any of the above embodiments to obtain information to be paid;

and the output interface 33 is used for sending the information to be paid to the terminal equipment of the payee.

Of course, in some embodiments, the output interface 33 may also be used to send the information to be paid to the terminal device of the payer.

According to another aspect of the embodiments of the present application, there is also provided a computer program product, when the computer program product runs on a processor, the method corresponding to the above communication apparatus is executed, or the method corresponding to the above network side device is executed.

According to another aspect of the embodiments of the present application, there is also provided a computer storage medium having stored thereon computer instructions, which, when executed by a processor, perform a method corresponding to the above-mentioned communication apparatus, or perform a method corresponding to the above-mentioned network-side device.

According to another aspect of an embodiment of the present application, there is also provided a receipt and payment system, including:

the terminal equipment of the payer is used for sending an inquiry request to the payment receiving device, wherein the inquiry request is used for inquiring the information to be paid;

the payment and receipt device is used for executing the method of any one of the above embodiments;

and the terminal equipment of the payee is used for outputting the information to be paid.

The payment and receipt device is the payment and receipt device based on the terminal device in the above example.

According to another aspect of the embodiments of the present application, an electronic device is also provided.

Referring to fig. 24, fig. 24 is a schematic view of an electronic device according to an embodiment of the present application.

Electronic devices are intended to represent, among other things, various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the present application that are described and/or claimed herein.

As shown in fig. 24, the electronic apparatus includes: one or more processors 501, memory 502, and interfaces for connecting the various components, including high-speed interfaces and low-speed interfaces. The memory 502 and the processor 501 may be connected through an interface or may be integrated together. The various components are interconnected using different buses and may be mounted on a common motherboard or in other manners as desired. The processor may process instructions for execution within the electronic device, including instructions stored in or on the memory to display graphical information of a GUI on an external input/output apparatus (such as a display device coupled to the interface). In other embodiments, multiple processors and/or multiple buses may be used, along with multiple memories and multiple memories, as desired. Also, multiple electronic devices may be connected, with each device providing portions of the necessary operations (e.g., as a server array, a group of blade servers, or a multi-processor system). Fig. 24 illustrates an example of one processor 501.

The memory 502 is a computer storage medium provided herein. Wherein the memory stores instructions executable by the at least one processor to cause the terminal device based receipt and payment method provided herein to be performed. The computer storage medium of the present application stores computer instructions that cause the terminal device-based receipt and payment method provided by the present application to be performed.

Memory 502, which is a type of computer storage medium, may be used to store non-transitory software programs, non-transitory computer-executable programs, and modules. The processor 501 executes various functional applications and data processing by executing non-transitory software programs, instructions, and modules stored in the memory 502.

The memory 502 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to use of the electronic device, and the like. Further, the memory 502 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, memory 502 optionally includes memory located remotely from processor 501, which may be connected to an electronic device via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The electronic device may further include: an input device 503 and an output device 504. The processor 501, the memory 502, the input device 503 and the output device 504 may be connected by a bus or other means, and the bus connection is exemplified in fig. 24.

The input device 503 may receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic apparatus, such as a touch screen, a keypad, a mouse, a track pad, a touch pad, a pointing stick, one or more mouse buttons, a track ball, a joystick, or other input devices. The output devices 504 may include a display device, auxiliary lighting devices (e.g., LEDs), and haptic feedback devices (e.g., vibrating motors), among others. The display device may include, but is not limited to, a Liquid Crystal Display (LCD), a Light Emitting Diode (LED) display, and a plasma display. In some implementations, the display device can be a touch screen.

Various implementations of the systems and techniques described here can be realized in digital electronic circuitry, integrated circuitry, application specific ASICs (application specific integrated circuits), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

These computer programs (also known as programs, software applications, or code) include machine instructions for a programmable processor, and may be implemented using high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. As used herein, the terms "machine-readable medium" and "computer-readable medium" refer to any computer program product, apparatus, and/or device (e.g., magnetic discs, optical disks, memory, Programmable Logic Devices (PLDs)) used to provide machine instructions and/or data to a programmable processor, including a machine-readable medium that receives machine instructions as a machine-readable signal. The term "machine-readable signal" refers to any signal used to provide machine instructions and/or data to a programmable processor.

To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), and the Internet.

The computer system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present application may be executed in parallel, sequentially, or in different orders, as long as the desired results of the technical solution of the present application can be achieved, and the present invention is not limited thereto.

The above-described embodiments should not be construed as limiting the scope of the present application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.

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Terminal equipment based payment and receipt method, device, system and storage medium

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